本文選題：個(gè)人消費(fèi)貸款　切入點(diǎn)：信用風(fēng)險(xiǎn)　出處：《揚(yáng)州大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來(lái),隨著中國(guó)經(jīng)濟(jì)穩(wěn)步發(fā)展,國(guó)內(nèi)人民的消費(fèi)能力不斷上升,個(gè)人消費(fèi)貸款業(yè)務(wù)呈現(xiàn)出快速發(fā)展態(tài)勢(shì)。個(gè)人消費(fèi)貸款作為可以刺激和提高國(guó)民群體消費(fèi)需求的一種方式,在消費(fèi)群體中形成了用途廣、貸款靈活、使用快捷的貸款特點(diǎn)。商業(yè)銀行將個(gè)人消費(fèi)貸款作為優(yōu)質(zhì)資產(chǎn)業(yè)務(wù)發(fā)展,極大促使了銀行資產(chǎn)業(yè)務(wù)朝多元化發(fā)展和戰(zhàn)略地位的不斷提高。但由于我國(guó)個(gè)人消費(fèi)貸款業(yè)務(wù)相對(duì)于西方國(guó)家開(kāi)辦較晚,結(jié)構(gòu)發(fā)展失衡,在個(gè)人消費(fèi)貸款風(fēng)險(xiǎn)管理中,各家商業(yè)銀行又普遍存在監(jiān)測(cè)能力差、管理手段落后、控制能力弱等問(wèn)題,從四大國(guó)有銀行個(gè)人消費(fèi)貸款2%-3%的不良率來(lái)看,一直都高于國(guó)際1%的平均水平,這使得如何又快又好的發(fā)展個(gè)人消費(fèi)貸款成了我國(guó)商業(yè)銀行面臨的重要課題,也更顯得優(yōu)秀的風(fēng)險(xiǎn)管理能力必將成為各家商業(yè)銀行個(gè)人消費(fèi)貸款發(fā)展的核心競(jìng)爭(zhēng)力。根據(jù)西方發(fā)達(dá)國(guó)家商業(yè)銀行個(gè)人消費(fèi)貸款發(fā)展經(jīng)驗(yàn),個(gè)人消費(fèi)貸款所面臨的最大風(fēng)險(xiǎn)仍然是信用風(fēng)險(xiǎn)。所以,如何做好個(gè)人消費(fèi)貸款信用風(fēng)險(xiǎn)的管理將對(duì)其發(fā)展具有重大的積極意義。本文在分析了個(gè)人消費(fèi)貸款信用風(fēng)險(xiǎn)分類、特點(diǎn)和成因等基礎(chǔ)上,以郵儲(chǔ)銀行Y市分行為研究個(gè)案,梳理了在個(gè)人消費(fèi)貸款發(fā)展中遇到的問(wèn)題,通過(guò)借鑒國(guó)內(nèi)外關(guān)于個(gè)人消費(fèi)貸款信用風(fēng)險(xiǎn)評(píng)估的理論和研究成果,運(yùn)用Logistic回歸模型對(duì)郵儲(chǔ)銀行Y市分行個(gè)人消費(fèi)貸款信用風(fēng)險(xiǎn)進(jìn)行實(shí)證分析的方法,對(duì)年齡、婚姻狀況、教育程度、單位性質(zhì)、職務(wù)、收入還貸比、信用分類等七項(xiàng)與借款客戶個(gè)人信用評(píng)分緊密相關(guān)的指標(biāo)相關(guān)影響因素進(jìn)行回歸分析,剔除與因變量是否履約情況不顯著相關(guān)因素,從而得出個(gè)人信用評(píng)分模型,進(jìn)而提出從加強(qiáng)消費(fèi)貸款團(tuán)隊(duì)建設(shè)、完善風(fēng)險(xiǎn)管理內(nèi)部環(huán)境、優(yōu)化信用風(fēng)險(xiǎn)管理手段和完善消費(fèi)貸款流程管理等四個(gè)方面,提高郵儲(chǔ)銀行Y分行個(gè)人消費(fèi)貸款信用風(fēng)險(xiǎn)管理水平。
[Abstract]:In recent years, with the steady development of China's economy, the consumption power of the domestic people has been rising, and the business of personal consumption loans has shown a rapid development. As a way to stimulate and increase the consumer demand of the national population, the personal consumption loan is a way to stimulate and increase the consumption demand of the national population. In the consumer group has formed a wide range of uses, flexible loans, the use of fast loan characteristics. Commercial banks take personal consumer loans as high-quality assets business development, It has greatly promoted the diversification of bank assets business and the continuous improvement of strategic position. However, due to the late opening of personal consumption loan business in our country compared with the western countries, the structure development is out of balance, so in the risk management of personal consumption loan, The commercial banks also generally have problems such as poor monitoring ability, backward management means, weak control ability, and so on. Judging from the bad rate of 2%-3% of the personal consumption loans of the four major state-owned banks, they have always been higher than the international average of 1%. This makes how to develop personal consumption loans quickly and well has become an important issue facing our commercial banks. Moreover, it will become the core competitiveness of individual consumption loan development of commercial banks. According to the development experience of commercial banks in western developed countries, The biggest risk faced by personal consumption loan is still credit risk. Therefore, how to manage the credit risk of personal consumption loan is of great positive significance to its development. On the basis of characteristics and causes, taking Y City Branch of Postal savings Bank as a case study, this paper combs the problems encountered in the development of personal consumption loan, and draws lessons from the theory and research results of credit risk assessment of personal consumption loan at home and abroad. Using the Logistic regression model to analyze the credit risk of personal consumer loan in Y branch of postal savings bank, the paper analyzes the age, marital status, education level, unit nature, position, income / loan ratio, etc. Credit classification and other seven factors closely related to the personal credit score of the loan customer were analyzed by regression analysis, and the individual credit rating model was obtained by excluding the factors that were not significantly related to the performance of dependent variables. Further, it puts forward four aspects: strengthening the construction of consumer loan team, perfecting the internal environment of risk management, optimizing the means of credit risk management and perfecting the management of consumer loan flow. Improve the postal savings bank Y branch personal consumer loan credit risk management level.
【學(xué)位授予單位】：揚(yáng)州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F618.3;F832.479
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本文編號(hào)：1627072